491 Dutton St, Unit 418, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 491 Dutton St, Unit 418, Lowell, MA 01854

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,316 sqft · built 2019
Lot Size	2.28 acres (99,590 sqft)
Owner	Individual Name on File
Last Sale	$495,000 (Aug 2025)
Tax Bill	$5,616 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T19425`

Property Details

APN / Parcel Number

Primary APN	`T19425`
Alternative APN	`LOWE M:139 B:1915 L:491 U:418`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Units	87 Units
Stories	3 Stories
Building Area	1,316 sqft Living Area
1st Floor Area	1,316 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Condo/Apartment
Exterior Material	Brick
Roof Type	Hip
Roof Material	Tar & Gravel
Lot Area	99,590 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	T19425
Street Address	491 DUTTON ST, 418
City	LOWELL
State	MA
Zip	01854-4397
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	UMUR
Legal Block	1915
Legal Lot Number	491
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2000
Census Tract	311100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lowell National Historical Park listed 1978 · 8 contributing resources · NRIS 78003149

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

491 Dutton St, Unit 418 is owned and occupied by an individual who bought it in August 2025.

Source: Middlesex County and Lowell City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	491 DUTTON ST, 418, LOWELL, MA 01854-4397
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2025 · Amount on File
Deed Sale	Aug 11, 2025 · Amount on File
Prior Sale	Mar 8, 2019 · Amount on File
Deed Book / Page	39447 / 38
Record Updated	Oct 29, 2026

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Aug 11, 2025
Property Address	491 DUTTON ST UNIT 418, 418, LOWELL, MA 01854-4397
Document Number	0039447-38
Book / Page	39447 / 38
Instrument Date	Aug 11, 2025
Instrument	202502025101
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 DUTTON ST UNIT 418, 418, LOWELL, MA 01854-4397

Mortgage

Document Number	202500025102
Date	Aug 11, 2025
Instrument	202500025102

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	Sep 1, 2040
Index	1-Year CMT
Margin	3

Tax Assessment & Valuation

The 2026 property tax bill for 491 Dutton St, Unit 418 was $5,616, down 0.5% from the year before.

Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Lowell City
Unified School District	Lowell School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,616.00 (-0.55%)	$494,800 (+0.59%) Building $494,800	$467,840 (+0.3%)
2025	$5,647.00 (+12.62%)	$491,900 (+16.84%) Building $491,900	$466,450 (+6.07%)
2024	$5,014.00 (-12.05%)	$421,000 (-8.28%) Building $421,000	$439,755
2023	$5,701.00	$459,000 Building $459,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 491 Dutton St, Unit 418 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2001–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2013 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 491 Dutton St, Unit 418 has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LOWELL REGIONAL WATER UTILITY serves 120,418 people · EPA ID MA3160000
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2017
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 468 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880